Child-Only Health Insurance plans are individual health insurance policies made available to children age 18 and under with no parent or guardian listed on the same
policy.The 2010 Patient Protection and Affordable Care Act prevents insurers from declining health insurance applications for children due to pre-existing medical conditions. As an unintended consequence of the law, however, some health insurance companies STOPPED offering child-only insurance plans altogether.
We need to be able to purchase a policy for our children, there should be no need to purchase an ADDITIONAL Health Insurance for a Parent (when they have policy in-force) to add your child. Some parents have health Insurance through other factors, and can not put thier child on current policy ie. retired, disable



